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Medical Benefits for Pensioners

Pensioners have the choice of two medical plans - BlueCross BlueShield PPO or Cigna Choice Fund.  Pensioners (and their dependents) with Medicare Parts A and B have a third choice with BlueAdvantage Plus.

Pensioners must notify Human Resources and provide documentation within 60 calendar days of an eligible change in status to make a change in your benefit elections - or you may not be able to make a change later. An eligible change in status includes marriage, divorce, death, change in job status or loss of coverage for you or your spouse (contact Human Resources for a complete list).  During each Annual Enrollment, pensioners may change plans or drop dependents.

BlueCross BlueShield PPO

The BCBS PPO plan is an 80/20 coinsurance plan with copays that allow you the flexibility to select your physicians without referrals. After the annual out-of-pocket maximum has been met, you will continue to pay your copay, but your coinsurance level will be 100%. To receive the maximum benefits, you should use an in-network provider that participates in Network P. You may contact BCBS or visit their website for a list of in-network providers.

BlueCross BlueShield PPO

Phone - (800) 367-7790

BCBS PPO Plan Document

BlueCross BlueShield BlueAdvantage Plus

BlueAdvantage Plus plan is offered by BlueCross BlueShield of Tennessee and is a Medicare Advantage Preferred Provider Organization (PPO). This is not a Medicare Supplement plan. BlueAdvantage Plus is only available to pensioners and their covered dependents that have Medicare Part A and Part B coverage.

You are free to use out-of-network providers for covered services, but it may cost more. You can maximize your benefits by using providers in the network.

BlueAdvantage Plus

Phone - (800) 841-7434

CIGNA Choice Fund

The CIGNA Choice Fund is a health reimbursement arrangement where traditional medical coverage is combined with a Fund of contributions made by Metro. Pensioners without Medicare Parts A and B are eligible for the Fund. Once a pensioner is eligible to receive Medicare Parts A and B, Metro will not provide the HRA Fund (a pensioner may keep any rollover funds due the following year).

CIGNA Choice Fund

Phone (800) 244-6224

CIGNA Choice Fund Plan Document